| Advancing of Loans | Short-term working capital loans, project finance, property loans, and structured finance products. | Strong asset valuation team, RBI-compliant processes, and long-standing client relationships. | B2B focus serving mid to large corporations and real estate developers. | Structured finance and customized term loans have higher margins. | 349 | 90 | Interest income from loan disbursal and structured finance instruments. | Interest-based lending with customized terms. | Corporate expansion needs and real estate development demand driving loan growth. | |
| Trading in Share and Securities | Trading and investments in shares and securities. | Limited exposure with prudent trading strategies. | Internal treasury operations; no external clients. | N/A due to small scale of operations. | 3 | 10 | Capital gains and trading profits. | Transactional trading income. | Market conditions impact trading income which complements core lending business. | |
